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Length of Boat Loans. Fixed rate boat loan terms are available from 15, 20 years, the terms available are based on the amount you are looking to borrow. The rate of your boat loan is determined by many key factors outside of your credit score.
The affect on performance is much more difficult to measure as the beam changes. The prime length for boats designed primarily for water skiing is about 20 feet or so, and a wider boat will often ride higher, thus displacing less water and providing a smaller wake.